Confirmation of Payee

Confirmation of Payee is an initiative led by Australian Payments Plus (AP+), the organisation behind Australia’s core payment services like BPAY^®, eftpos™, PayID™ and PayTo™.

Confirmation of Payee works by checking the account name you enter when making a payment against the actual account name registered with the receiving bank.

When you enter a person’s BSB, account number, and account name — either for a new payee or when updating the details of an existing payee — Confirmation of Payee will instantly check the account details you’ve entered with the account details held by the recipient’s bank and let you know the match outcome in real-time. 

Based on the match outcome, you can then decide if you want to go ahead with the payment, pause and double check the payment, or stop the payment entirely.

There’s no need to opt in or sign up. Once Confirmation of Payee becomes available in your Police Bank Internet Banking and Mobile Banking App, it will be automatically applied when you’re making or updating payments — giving you real-time alerts to help keep your money safe.

No. It works in real-time in the background when setting up or editing a payee.

Confirmation of Payee will be available across all participating banks as they join the national rollout coordinated by Australian Payments Plus, Customer Owner Banking Association (COBA), and Australian Banking Association (ABA).

Some members may be eligible to opt out of the Confirmation of Payee service. If you choose to opt out, your account name and the result of the name check will not be shared with anyone trying to send you money. Please be aware that this may affect whether a payer chooses to proceed with the payment.

If your account is successfully opted out, your details will not be displayed during Confirmation of Payee checks. However, this opt-out will not apply when payments are made to you by government agencies — such as welfare or emergency assistance payments funded by taxpayers.

Please consider that opting out may reduce the likelihood of someone completing a payment to your account.

If you’d like to discuss opting out of CoP, please contact us.

If you do opt out, you can opt back in at any time.

CoP applies only when setting up or editing payees using BSB and account number — CoP does not apply to BPAY^®, direct debits, or recurring payments already set up.